Mortgage Programs

Conventional Loan

  • As little as 5% down
  • Lender paid mortgage insurance available
  • Fixed rate terms: 30, 25, 20, 15, and 10 year loans
  • 3yr, 5yr, 7yr, and 10yr ARMS
  • Conforming up to $970,800
    • Primary Residence, Second Home, Investor Occupancy
  • Refinances: rate/term or cashout

VA Loan

  • $0 Down (No Loan Limit)
  • $0 cash to close option
  • No Mortgage Insurance
  • VA to VA Streamline refinance with no appraisal or out of pocket expense
  • 90% Cash-out refinance (cash can be used for any purpose)
  • Jumbo VA loans $3,000,000 and higher
  • Primary Residence (streamline does not have to be owner occupied)
  • Condo must be VA approved
  • Easier credit criteria allowing scores as low as 580
  • Primary Residence
  • Investor Allowed on VA to VA IRRRL

Jumbo Loan

  • Fixed rate and ARM products
  • Recently moved from W-2 to 1099 is OK
  • Improved Rate Pricing
    • Primary Residence, Second Home, Investor Occupancy
  • Loans up to $5,000,000 and higher

FHA Loan

  • As little as 3.5% down
  • FHA to FHA streamline refinance
  • Easier credit criteria allowing scores as low as 580
  • FHA 203k rehab loans for homes that need some work
  • Fixed and ARM products available

USDA

  • Primary Residence Only

    • First Time Homebuyer

    • As little as 3% down
    • Improved Rate Pricing
    • Primary Residence Only

    Non-QM Loans

    • Income via Bank Statement Deposits
    • Loans Not Requiring Income
    • Use Assets for Income
    • Investor Cash Flow
    • Loans up to $3,000,000 and higher
    • Interest only option available
    • Fixed rate and ARM products available
    • Primary residence, Second Home, Investor Occupancy

    Reverse Mortgages (HECM)

    • All borrower must be 62 year old or older
    • No monthly payment
    • You still own your home
    • Use equity cash for any purpose
    • Purchase a property with a HECM reverse mortgage
    • Children have the option to keep / sell / or let go of the home when you pass
    • Primary residence only

    Portfolio Loans

    • $0 Down up to $1,000,000 for owner occupied
    • Bridge Loans
    • Unique Properties & Tear Downs
    • Condotels

    Construction

    • 100% financing if you own the land outright
    • 12-18 months to complete
    • construction
    • Cross collateralize other property

    Commercial

    • Apartment building loans
    • Industrial
    • Office
    • Retail
    • Land

    Private Money

    • Quick closings in as little as 5 days
    • 30% or more down for purchases
    • Cross collateralize other properties
    • Loan amounts $10,000,000 and higher
    • Refinance a property listed for sale

    C2 Financial Corporation is a Hawaii State NMLS Licensed MLOC: NMLS #135622, C2 Hawaii NMLS#1244222. Loan approval is not guaranteed and is subject to lender review of information. All loan approvals are conditional and all conditions must be met by borrower. Loan is only approved when lender has issued approval in writing and is subject to the Lender conditions. Specified rates may not be available for all borrowers. Rate subject to change with market conditions. C2 Financial Corporation is an Equal Opportunity Mortgage Broker/Lender. The services referred to herein are not available to persons located outside the state of Hawaii.

    C2 HAWAII 2024 © all rights reserved Branch NMLS#1244222